Which policy type provides coverage for third-party bodily injury claims arising from contractor operations?

Which policy type provides coverage for third-party bodily injury claims arising from contractor operations?

• A. Workers' Compensation
• B. Professional Liability
• C. Commercial General Liability
• D. Inland Marine

Answer: (C)

Commercial General Liability coverage protects against third-party bodily injury and property damage that arise from everyday contractor operations on the job site. For a landscaping contractor, this means injuries to clients, visitors, or bystanders caused by activities like trenching, use of machinery, or debris on site are covered. This type of policy specifically addresses claims from people who are not employees, which is why it’s the go-to for third-party bodily injury. It’s different from workers’ compensation, which pays for injuries to employees and doesn’t cover claims by third parties. It also differs from professional liability, which covers errors and omissions in specialized services (not typical bodily injuries on-site), and inland marine, which covers property in transit or stored property rather than injuries. So, for third-party bodily injury claims arising from contractor operations, Commercial General Liability is the appropriate protection.